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The present day average price is actually 6.41%, centered on Moneyfacts, because the mediocre five-seasons fixed price are 5.96%. Its shared security five-seasons repaired prices vary from cuatro.93% having a £999 commission (60% LTV). Very same bargain in the 95% LTV is actually 5.91% having a good £999 fee. Scottish Widows had been one of the few lenders giving counterbalance financial sale in order to consumers. Counterbalance money allow you to ‘offset’ bucks deals up against their mortgage financial obligation so you pay just interest for the balance, reducing the count you only pay.